go up and meet the swing states, go to their afrsoffices, ask fo their vets. susan collins, mark warner on the democratic side. those are the folks that will provide the centrist core that we need to have a governing coalition in this country so we can move forward. >> let's talk about how consumers will be affect the here. the federal reserve is currently keeping rates at historic lows trying to encourage boroughing's if we go over the cliff, right now banks are hardly lending as much it's a they really should be. what epps can lse can be done t banks to loan, especially if we do go over the cliff? >> you make deposits, make loans. into a certain economy, at low rates, that's a challenges thing. it does make you risk. i think you know -- i actually think letting rates bump up a little bit. let the market determine, and i think the market would put the rates up a little bit, it could actually help lending. it's counter intuitive, and i think more borrowers will come in if they thought rates would go up. i don't think it's well-intentioned but i think it's hurt